Blogs
Fannie Mae and Freddie Mac’s No Cash-Out Refinance Requirements
Master Fannie Mae and Freddie Mac no-cash-out refinance (limited cash-out) requirements in 2026. Learn key seasoning rules, ownership continuity, cash-back limits (greater of 1% of new loan or $2,000), allowable payoffs, and exceptions for buyouts or secondary liens used for purchase. Discover how expert contract underwriting and processing from The Commonwealth Group helps lenders stay compliant, scale efficiently, and close faster without added overhead.
Matters of Trust: Mortgage Lending and Properties Held in a Trust
Can a trust hold title to a mortgaged home? In 2026, revocable living trusts are widely accepted by Fannie Mae, Freddie Mac, FHA & VA. Explore rules, docs needed & how The Commonwealth Group helps lenders.
The Economic Edge: Why Contract Mortgage Processing Beats Traditional In-House Methods
Discover why contract mortgage processing outperforms in-house methods in 2026: up to 40%+ cost savings, effortless scalability, expert efficiency, and reduced risks. See how The Commonwealth Group delivers onshore, flexible solutions.
Navigating Mortgage Approval: Job Stability vs. Income Stability
Explore the key differences between job stability and income stability in mortgage approval. Learn how lenders evaluate them and how The Commonwealth Group helps streamline underwriting for reliable outcomes.
Navigating Risks in Mortgage Underwriting: Risk Management vs. Risk Elimination
Risk elimination in mortgage underwriting rejects any imperfect loan to avoid all risk, while risk management assesses and mitigates risks to enable responsible lending and portfolio growth.